AAA (Auto Club) Insurance
AAA (Auto Club) sells home, condo, auto and flood insurance to its Florida members. It does so through two Tampa insurers owned by The Auto Club Group.
You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 03704 and its NAIC number is 12813.
Taking new policiesChecked Oct 19 Home, condo, auto and flood
Is AAA leaving Florida? No. Its two Tampa based insurers still sell new home and auto policies to members statewide, and cut home rates for new business on March 1, 2026 and auto rates on June 1, 2026. As of Oct 19, 2026. Source: wfla.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
86,461
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A- (Excellent)
From AM Best
Complaints
0.20
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
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What's changed recently
-
AAA cuts Florida auto and home rates again
Auto Club South monoline auto down 5% on average and ACICF package auto down 4%, new policies June 1 and renewals August 1. Select Package Home down 5%, new business March 1 and renewals May 1, 2026.
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AAA reports 15% auto and 5% home rate cuts in Florida
Since January 2025 OIR approved three auto cuts and one home cut for AAA's Florida companies. Auto premiums fell more than 15% and home 5% for about 139,000 policyholders. Another auto cut was filed in October 2025.
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AM Best moves the Florida companies to a stable outlook
AM Best affirmed A- (Excellent) for Auto Club Insurance Company of Florida and Auto Club South. It moved the outlook from negative to stable. It cited tighter underwriting. It noted a return to underwriting profit, too.
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AAA drops a small share of high risk Florida package policies
Auto Club Insurance Company of Florida did not renew a small share of home plus auto package policies. It cited reinsurance costs after the 2022 storms. AAA said it was not leaving and kept selling new policies.
Rate history
No rate filings tracked yet.
OIR sample yearly rate for its example home: $4,821 to $14,459 across 67 Florida counties (median $6,301).
The example is a $300,000 masonry home built in 2005. A sample rate is not a quote. Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.
35 years in Florida
In Florida since 1991. Has paid claims through 22 hurricanes.
Compare AAA (Auto Club) side by side
| AAA (Auto Club) | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 86,461 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 0.20 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A- (Excellent) AM Best | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 1991 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
Questions people ask about AAA (Auto Club)
Is AAA leaving Florida?No.
In July 2023 AAA dropped a small share of higher exposure package policies. At the time it said it was not leaving Florida. Since then it has cut Florida rates several times. The 2026 cuts applied to new home policies from March 1 and new auto policies from June 1.
What is the AAA claims phone number in Florida?Call 800-289-1325 and press 1 for Auto Club South Insurance Company and Auto Club Insurance Company of Florida claims.
Flood claims through Auto Club South use 800-759-8656. You can also start an auto or home claim online at the AAA claim services page.
Is AAA a good insurance company in Florida?AM Best rates both Florida companies A- (Excellent) with a stable outlook as of April 16, 2025.
The rating was cut from A to A- in March 2023 after storm losses, and the outlook returned to stable in 2025 after two years of better results. Auto Club South has written in Florida since 1991.
Who owns AAA insurance in Florida?The Auto Club Group, the AAA club based in Dearborn, Michigan.
It owns all of Auto Club South Insurance Company. Auto Club Insurance Company of Florida is held through Auto Club Insurance Holdings. Auto Club Insurance Association owns about 90% of that holding company. The Auto Club Group owns 10%.
Source: OIR financial examination reports as of December 31, 2022
Is AAA admitted in Florida?Yes.
AAA's two insurers here are Florida domestic insurers based in Tampa. One is Auto Club Insurance Company of Florida, NAIC 12813. The other is Auto Club South Insurance Company, NAIC 41041. OIR authorized both. Both are admitted. So both are members of the Florida Insurance Guaranty Association.
Source: OIR financial examination reports as of December 31, 2022
Is AAA the same as Auto Club South?Yes for Florida.
Two companies issue the AAA branded policies here. Auto Club South Insurance Company issues standalone auto and flood. Auto Club Insurance Company of Florida issues home, condo and the home plus auto package. Both belong to The Auto Club Group.
AAA (Auto Club) reviews and complaints: what the public data shows
AAA (Auto Club) rating
- Complaints
- 0.20 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 1991 (35 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.